| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 11.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 8.54% |
| CINDY V SHIELDS3 Filed as: CINDY V. SHIELDS | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.43% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.43% |
| GARY ROSIERE3 | PO BOX 2721 GRETNA, LA 70054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.17% |
| MOHR BENEFITS LLC3 Filed as: MOHR BENEFITS, LLC | 3515 MELVIL DEWEY, SUITE 201 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.12% |
| MELODY TERRAL3 | PO BOX 8951 MANDEVILLE, LA 70470 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $527 | — | $527 | 8.69% |
| MELODY RYLAND3 | 190 NEW CAMELLIA BOULEVARD COVINGTON, LA 70433 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $55 | — | $55 | 0.91% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 371 | $96K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 371 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.